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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,867 | $83,485-77.4% | $125,192-84.9% | $72,975-74.1% |
| Participation rate | 42.9% | 73.3%-30.4pp | 79.8%-36.9pp | 69.5%-26.6pp |
| Annual return | 19.88% | 25.77%-5.9pp | 43.79%-23.9pp | 81.01%-61.1pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,688 | $3,586-52.9% | $4,937-65.8% | $3,608-53.2% |
| Admin fee / account holder | $2,296 | $5,518-58.4% | $9,704-76.3% | $5,124-55.2% |